Investment property vs super calculator
The eternal Aussie debate. Buy a $700k investment property with leverage, or salary sacrifice the same dollars into super? Both compounded for 25 years, after CGT, fees, and holding costs.
Built on 2025-26 ATO rates · Last reviewed April 2026
Property assumptions
Super assumptions
Property gives you leverage; super gives you tax efficiency and no maintenance phone calls. The honest answer is usually "do both" — but your numbers above tell you which one earns more on the marginal dollar.
What this doesn't include. Land tax (varies by state), depreciation deductions (improve property's after-tax position), property management fees if not in holding costs, vacancy beyond 0%, and the time/stress of being a landlord. It also assumes you actually save the difference if you don't buy property.
Where these numbers come from
Keep reading
Super vs mortgage payoff →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.